C
Carthage Savings and Loan, National Association
Rating Date
August 2026
Risk Based
Capital Ratio
26.25
Leverage
Ratio
12.86
Return On
Assets
0.96%
Total
Assets
312.07M
Capital
47.18M
Total
Deposits
257.37M
Net
Income
1.48M
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Weiss Ratings Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Rating C
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 3.90
Stability Index 3.70
Company Info Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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FDIC Number 28942
Phone Number (315) 493-3480
Website www.carthagesavings.com
Asset Quality Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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1-Year Asset Growth 1.70%
5-Year Asset Growth 1.90%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.22%
Non-Performing Loans to Capital 1.70%
Non-Performing Loans to Loans 0.32%
Balance Sheet Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Total Assets 312.07M
Total Deposits 257.37M
Capital and Reserves Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Capital 47.18M
Leverage Ratio 12.86
Loan Loss Reserves to Loans 0.64%
Risk-Based Capital Ratio 26.25
Liquidity Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Hot Money Ratio 29.73%
Liquidity Ratio 8.66%
Profitability Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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5-Year Return on Average Assets 0.48%
Net Income 1.48M
Net Interest Spread 3.42%
Operating Profit to Average Assets 1.18%
Overhead Efficiency Ratio 63.40%
Return on Assets 0.96%
Return on Equity 6.39%